Carol Tice says it's necessary to invest money in your freelance business start-up; you can't start sans funding. What do you think? My opinion: starting a freelance writing biz requires much less cash than other types of businesses, but it does require some. "If your bank account is empty, do you have to give up your freelance writing dream? Not necessarily." She goes on to list ways to cope with lack of funding, including lowering your expenses and relying on credit cards-- both of which I've done, unfortunately. Difficult, but doable. Your thoughts?